OSKAR MM
ActiveThe computed 12-month bankruptcy probability of OSKAR MM is 3.0% (moderate). The 2025 annual accounts show negative equity (€-716) and a net result of €-15k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 10% of 10289 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency15▼-39
Growth78=
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.51 against 1.3 in 2024; short-term debt: 110.5% and cash: 0.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-10.5%
Return on assets
-215.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-716
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
29 d late
2022
22 d late
2021
30 d late
2020
27 d late
2019
35 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-15k
2024 · €15k
2018: €-17k
2019: €-2k
2020: €-3k
2021: €-19k
2022: €6k
2023: €15k
2024: €15k
2018 → 2025
Working capital
€-4k
2024 · €8k
2018: €-14k
2019: €-16k
2020: €-12k
2021: €-29k
2022: €-22k
2023: €-7k
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-26k-€-19k▲ 25.2%€-4k▲ 77.8%€11k€-716
Operating result€-19k-€7k€15k▲ 126%€16k▲ 3.2%€-14k
Net result€-19k-€6k€15k▲ 131%€15k▲ 3.3%€-15k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €16k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7k
Fixed assets
€3k=
Current assets
€4k▼ 89.1%
Key figures and ratios
Solvency
-10.5%▼
2024 · 29.1%
Current ratio
0.51▼
2024 · 1.30
Quick ratio
0.51▼
2024 · 1.27
ROA
-215.4%▼
2024 · 40.2%
Debt
€8k▼
2024 · €27k
Debt ≤ 1 year
€8k▼
2024 · €27k
Staff costs
€34k▲
2024 · €26k
Equity ratios withheld: equity of €-716 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€38k€7k▼
Fixed assets21/28€3k€3k=
Financial fixed assets28€3k€3k=
Current assets29/58€35k€4k▼
Stocks and contracts in progress3€874-
Stocks30/36€874-
Amounts receivable within one year40/41€4k€4k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€200€329▲
Cash at bank and in hand54/58€30k€57▼
Equity and liabilities
Total equity and liabilities10/49€38k€7k▼
Equity10/15€11k€-716▼
Contributions10/11€16k€19k▲
Capital10€16k€19k▲
Issued capital100€19k€19k=
Uncalled capital101€3k-
Profit (loss) carried forward14€-5k€-19k▼
Amounts payable17/49€27k€8k▼
Amounts payable within one year42/48€27k€8k▼
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€706-
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48€17k-
Income statement
Code20242025
Remuneration, social security and pensions62€26k€34k▲
Other operating charges640/8€579€591▲
Gross operating margin9900€42k€20k▼
Operating profit (loss)9901€16k€-14k▼
Financial charges65/66B€269€281▲
Recurring financial charges65€269€281▲
Profit (loss) for the period before taxes9903€15k€-15k▼
Profit (loss) for the period9904€15k€-15k▼
Profit (loss) for the period to be appropriated9905€15k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-19k▼
Profit (loss) brought forward from the previous period14P€-20k€-5k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €15k ▲3.3%
Operating result €16k, net result €15k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 4 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 35 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Laanbrugstraat 51000 BrusselGround area
256 m²
Building footprint
110 m²
Volume, LiDAR
1,526 m³
Parcel 21813D0524/00D018, Brussels · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
OSKAR MM
since 20182.278.191.686
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21813D0524/00D018 | Brussels | 255 m² | 1 · 110 m² | 16.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ECLAIR DORE
BE 0464.345.334
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SOFAPA
BE 0721.554.294
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BOULANGERIE RÉGINE
BE 1012.152.537
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BIA FOOD
BE 0804.800.288
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Of 2,406 companies in sector 47241 we hold annual accounts for 1,099. 709 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-05-2018
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.